This home is in Fernandina Beach.

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Active

Active·136 days on market

424 S 3rd Street

Fernandina Beach, FL 32034

$1,499,000$465/sqftEst. $7,619/moMLS# 2133398

Beds

Baths

3,224

Sq Ft

2025

Built

Garage

Pool

About this home

Fernandina Beach

Experience the rare blend of MODERN LUXURY and DOWNTOWN CHARM in this FULLY FURNISHED, brand-new custom home, just steps from the vibrant heart of Historic Fernandina Beach. Perfectly positioned on an OVERSIZED 100' x 125' DOUBLE LOT, this thoughtfully designed residence offers over 3,200 square feet of refined living space with 4 bedrooms, a dedicated office/flex space, and 3 full baths. LVP flooring flows throughout the open-concept layout, creating a seamless and inviting atmosphere. The designer kitchen is a true showpiece, featuring stunning quartzite countertops, Italian french door range and oversized refrigerator, custom wood shelving in the expansive walk-in pantry, and abundant prep space. The primary suite is a private retreat, complete with its own balcony porch perfect for relaxation. The SPA-INSPIRED PRIMARY BATHROOM showcases a sophisticated WET ROOM with a spacious walk-in shower and deep soaking tub, along with a generously sized walk-in closet designed for both beauty

Cost to own

Mortgage calculator

Home Price

$1,499,000

Down Payment: 20%

$299,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$7,619

Principal & Interest: $7,619

Est. Taxes & Insurance: $1,905

Estimated Total Monthly

$9,524

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.55% · 30yr$7,619

Property taxesest. at asking price, Nassau County$2,069

Estimated total, before insurance$9,689/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$340,000	$340,000	—
2024	$320,000	$308,765	—
2023	$133,525	$133,525	—
2022	$224,700	$224,700	—
2021	$235,463	$127,834	—
2020	$140,398	$116,213	—

2025 property taxes (current owner): $6,128/yr

Estimated taxes if purchased at asking price: ~$24,800/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,149 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Mar 5, 2026Listed$1,499,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,499,000

Price / Sq Ft$465

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,224

Acres0.28 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryEmma Love Hardee

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address424 S 3rd Street, Fernandina Beach, FL 32034

Area410-Fernandina Beach Downtown-West

SubdivisionCity Of Fernandina Beach

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size12,196.8 sq ft

Lot Dimensions100 x 125

Parcel Number000031180002790060

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wine Cellar

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringVinyl

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level, Sink

SecuritySmoke Detector(s), Other